@Alex Melara  We managed short term rentals for a while and stopped when the restrictions became to restrictive. 

Great question, that structure can work, but in practice it gets more complex than “just put it in a trust and you are done.”You have to look at: who’s the trustee, how distributions are handled, how the trust is taxed (non-grantor rules), and how financing/title is handled when you buy/sell from the trust. 

Volume follows liquidity, not affordability. 

Quote from @Steven Cingano: It is 7k and I am not financially restricted.

No restrictions, no HOA near but outside of flood area.Seller's Mortgage is a 6.375% rate. 

I am highly concerned about buying a condo because I've heard Atlanta condo rental restrictions are extremely strict, with many HOAs having rental caps and long waitlists for permits, which would prevent my long-term rental strategy.

I work with investors in the Orlando area funding deals or providing liquidity via HELOCs or refinance.

If that's in the stock market, financial experts say that to be $500/mo.Stock market of course is liquid but I'll keep multiple six figs liquid just for safety.In a recession I'd sleep much better at night collecting monthly rent rather than have terrors about the stock market.

I definitely want to stay clear of anything that could trigger fines or compliance issues, so your point about STR activity in communities with rental caps makes a lot of sense.If the documents don’t spell out any restrictions around owner-occupied MTR/LTR setups, I’ll look into the roommate or owner-occupied lease option you mentioned.

Liquidity remains thin, amplifying intraday volatility.Mortgages continue to ease, with the current coupon UMBS up 3-4 ticks on the day.